X-Ray Cost in Charlotte, NC (2026): Average Prices & What You'll Pay
What does a x-ray cost in Charlotte, NC?
The same x-ray in Charlotte, NC might cost you $98 at one facility and $98 at another - the building you walk into drives the difference. The median cash price across 9 reporting hospitals is $98. These figures come straight from hospital price transparency files published under federal law. Pick your coverage in the tabs below to see your number.
Insurance
With commercial insurance, X-ray in Charlotte, NC typically runs $98–$98, facility and physician fees combined. What you pay out of pocket depends on your deductible and coinsurance.
Medicare
Medicare pays the same national rate to every provider that accepts it, adjusted slightly for local wages, so choosing a different hospital doesn't change what Medicare pays. For X-ray that rate is about $89–$107 (typically near $89). After the $257 Part B deductible you generally pay 20% of the approved amount, about $18.
Your personalized cost report includes:
- ✓ Why the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ A real patient billing breakdown, line by line
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Medicaid
Medicaid is run by each state, and it pays fixed rates to the providers that accept it, so the price doesn't change from one hospital to the next. Most people on Medicaid owe nothing or a small copay for covered care, but what's covered and what you owe depends on your state and plan. CostKits doesn't show a Medicaid price here because those rates are set by the state, not negotiated by each hospital. The question that matters is whether the provider accepts your Medicaid plan, so ask before you schedule.
Your personalized cost report includes:
- ✓ Why the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email — click it to get your guide. No account required, no spam.
No insurance
Posted cash prices for X-ray at 15 Charlotte, NC hospitals range from $89–$409, with a median of $98. The lowest posted price we found is The Presbyterian Hospital in Charlotte, NC at $89. Ask for the cash or self-pay price and for the hospital’s financial-assistance policy before you book.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where x-ray costs vary in Charlotte, NC
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers, imaging centers, and other facilities (colored by type). Click any pin for facility name and estimated cost range.
26+ people checked prices near them this month.
An X-ray is cheap - until a hospital setting and a separate radiologist bill turn it into two charges.
Your personalized cost report includes:
- ✓ Why the same X-ray costs more at a hospital or ER than at an imaging center
- ✓ The separate radiologist bill that can be out-of-network even at an in-network facility
- ✓ How an X-ray inside an ER or urgent-care visit rolls into a bigger bill
- ✓ The questions to ask before you schedule, including prior authorization
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
Cheapest X-Ray Providers in Charlotte, NC
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Hospital name hidden | Your City, NC | $961 | -$000 |
| 2 | Novant Health Mint Hill Medical Center, LLC | Charlotte, NC | $89 | -$9 |
| 3 | Novant Health Matthews Medical Center LLC | Matthews, NC | $89 | -$9 |
| 4 | Hospital name hidden | Your City, NC | $958 | -$000 |
| 5 | Carolinas Medical Center | Charlotte, NC | $98 | +$0 |
| 6 | Hospital name hidden | Your City, NC | $956 | -$000 |
Your ranked price list is on its way to your email. Open the PDF now.
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Email me this price comparison plus what to ask before booking
Sends a PDF with all 9 facilities ranked cheapest first, plus a short checklist of questions that change what you pay. We don't sell your information (privacy policy).
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
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Quick take
- The Presbyterian Hospital is the lowest-cost option at $89 - $9 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $98, and it's often lower than what insurance pays before your deductible is satisfied.
- Ask whether this procedure can be done at a freestanding ambulatory surgical center - they're typically 30-60% cheaper than a hospital for identical care, and most aren't in this hospital-only dataset.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $89 to $107 | $89 |
| With insurance (commercial, average) | 13 | $102 to $177 | $137 |
| Without insurance (cash price) | 15 | $89 to $409 | $98 |
| Blue Cross and Blue Shield of North Carolina | 13 | $95 to $168 | $108 |
| Cigna | 13 | $87 to $208 | $188 |
| Aetna | 12 | $123 to $143 | $127 |
| Humana | 6 | $133 to $317 | $137 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does an X-ray cost with Medicare in Charlotte, NC?
Medicare's national hospital outpatient payment for X-ray is about $89 to $107 (typically near $89). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $18 on a $89 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does an X-ray cost with insurance in Charlotte, NC?
Across 13 Charlotte, NC hospitals, the negotiated rates commercial insurers pay for X-ray average $102 to $177 per hospital, with a median near $137. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does an X-ray cost without insurance in Charlotte, NC?
Cash (self-pay) prices for X-ray at 15 Charlotte, NC hospitals range from $89 to $409, with a median of $98. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
How much does an X-ray cost with Blue Cross and Blue Shield of North Carolina in Charlotte, NC?
Blue Cross and Blue Shield of North Carolina negotiated rates for X-ray at 13 Charlotte, NC hospitals range from $95 to $168, with a median near $108. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
How much does an X-ray cost with Cigna in Charlotte, NC?
Cigna negotiated rates for X-ray at 13 Charlotte, NC hospitals range from $87 to $208, with a median near $188. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.
How much does an X-ray cost with Aetna in Charlotte, NC?
Aetna negotiated rates for X-ray at 12 Charlotte, NC hospitals range from $123 to $143, with a median near $127. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.
How much does an X-ray cost with Humana in Charlotte, NC?
Humana negotiated rates for X-ray at 6 Charlotte, NC hospitals range from $133 to $317, with a median near $137. If a hospital is out of network for your Humana plan, you may owe more than the negotiated rate, so check the network first.
Atrium Health (formerly Carolinas HealthCare) and Wake Forest Baptist Health have merged into one of the largest nonprofit health systems in the Southeast. Duke Health and UNC Health anchor the Research Triangle academic tier, creating a market where major academic centers hold outsized pricing leverage. North Carolina has been an active target for FTC scrutiny of hospital consolidation. X-ray is the most commoditized of all imaging procedures, and price differences are almost entirely explained by facility type: a hospital outpatient chest X-ray can cost 5–10× more than the same study at an urgent care center or independent imaging clinic. For non-emergency X-rays, asking your physician for a referral to an outpatient imaging center rather than a hospital radiology department is the simplest and most reliable cost reduction available.
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Why prices vary - and what it means for your coverage
A small number of hospitals (3) report prices above $104, including AMISUB OF SOUTH CAROLINA, INC. at $503, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $98 versus $503 inpatient (about 5.1× more), so where a procedure happens often matters more than which hospital you pick. Whether the scan happens in a hospital outpatient department (which adds a separate facility fee) or a freestanding imaging center is usually the single biggest driver of price for this procedure.
None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$98 |
| Deductible met - 20% coinsurance | ~$20 |
| Out-of-network provider | $216+ |
Frequently asked questions: X-ray costs in Charlotte, NC
How much does an X-ray cost in Charlotte, NC?
The typical insurer-negotiated rate is $23, with most facilities between $8 and $24 (based on 15 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $66 to $503 across all 9 Charlotte, NC hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get an X-ray in Charlotte, NC?
Based on declared prices, the lowest-cost facility in our Charlotte, NC data is The Presbyterian Hospital in Charlotte at about $66. By metro, Charlotte has the lowest median ($98). Freestanding ambulatory surgery and imaging centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is an X-ray so much cheaper at some Charlotte, NC hospitals?
Prices vary up to 7.6× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Charlotte, NC, the median cash (self-pay) price is $98 versus a median negotiated rate of $137 - cash is the lower number at many hospitals. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for an X-ray in Charlotte, NC?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- Deductible vs out-of-pocket max
- How to negotiate your medical bills
- EOB vs medical bill: complete guide
- Already have a bill? Check it for errors
- How to read an EOB line by line
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CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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